Lendz Financial · 1 day ago
Mortgage Underwriter
United States
Full-time
Remote
Entry, Mid Level
2+ years expLendz Financial is a full-service direct wholesale residential mortgage lending platform focused on helping mortgage brokers grow their loan origination volume. The Non-QM Underwriter role involves underwriting complex loan files and collaborating with various teams to ensure efficient processing and compliance with guidelines.
Financial ServicesLendingMortgageSmall and Medium Businesses
Responsibilities
Underwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines
Analyze borrower credit, assets, and income, including complex income scenarios such as:
Self-employed borrowers
1099 income
Bank Statement programs
Asset depletion and utilization
Review and evaluate personal and business documentation, including 12- and 24-month bank statements, P&Ls, and cash flow statements
Maintain an underwriting pipeline that meets established SLAs and productivity benchmarks
Deliver clear, well-documented underwriting decisions and conditions aligned with program guidelines
Provide written justification for loan decisions and required conditions
Partner with Loan Officers, Account Managers, and Operations to resolve file-level questions and move loans efficiently toward closing
Support quality control standards, including:
Pre-closing defect rate below 10%
Post-closing defect rate below 5%
Stay current on Non-QM guideline updates, investor overlays, and regulatory requirements
Contribute to a collaborative team environment focused on continuous improvement and shared success
Qualification
Required
2–5 years of mortgage underwriting experience, including exposure to Non-QM or alternative documentation loans
Working knowledge of Non-QM products such as Bank Statement programs, DSCR, Asset Utilization, 1099 income
Strong analytical skills with the ability to evaluate complex borrower profiles
Clear, professional written and verbal communication skills
A coachable mindset with a desire to learn, grow, and evolve within the role
Strong time management skills and the ability to prioritize in a fast-paced environment
Sound judgment, attention to detail, and a high level of accountability
Benefits
Highly subsidized medical insurance
Low-cost dental and vision insurance
401(k) program
Health Savings Account (HSA)
Generous paid time off and company holidays
Ongoing training, mentorship, and professional development opportunities
A collaborative, supportive work environment that values ownership and growth
Company
Lendz Financial
Lendz Financial provides mortgage lending services to US retail clients and foreign nationals.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Cesar Hernandez
Chief Executive Officer
PJ Harley
Co-Founder - EVP of Business Development
Company data provided by crunchbase